Middlesex County and Stow Town property record for 77 Elm Ridge Rd, Stow, MA 01775
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,808 sqft · built 1993 |
| Lot Size | 0.47 acres (20,473 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $215,000 (Dec 1997) |
| Tax Bill | $12,538 (2026) |
| Deeds & Mortgages | Jun 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | R-30 014-10 |
| Primary APN | R-30 014-10 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,808 sqft Living Area |
| Gross Area | 3,985 sqft |
| 1st Floor Area | 1,184 sqft |
| Basement Area | 1,184 sqft |
| Unfinished Basement | 1,184 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,473 sqft (0.47 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | R-30 014-10 |
|---|---|
| Street Address | 77 ELM RIDGE RD |
| City | STOW |
| State | MA |
| Zip | 01775-1199 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Jurisdiction | STOW MA |
| Township / Civil Division | STOW |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 323101 |
77 Elm Ridge Rd is owned and occupied by two individuals who bought it in December 1997.
Source: Middlesex County and Stow Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 77 ELM RIDGE RD, STOW, MA 01775-1199 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 2, 1997 · Amount on File |
| Deed Sale | Dec 2, 1997 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STOW MA |
| Property Address | 77 ELM RIDGE RD, STOW, MA 01775-1199 |
| Document Number | 69428-231 |
| Instrument Date | Jun 2, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2018 |
| Name | Verified Name |
|---|
| Document Number | 69428-231 |
|---|---|
| Date | Jun 14, 2017 |
| Book Page | 069428/000231 |
| Instrument | 89149 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 13, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 77 Elm Ridge Rd was $12,538, up 14.2% from the year before.
Source: Middlesex County and Stow Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Stow Town |
| Unified School District | Nashoba School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $12,538.00 (+14.16%) | $701,600 (+11.28%) Land $310,700 Building $390,900 | $744,847 (+14.51%) |
| 2025 | $10,983.00 (-0.92%) | $630,500 (-3.48%) Land $295,900 Building $334,600 | $650,465 |
| 2024 | $11,085.00 (+2.96%) | $653,200 (+1%) Land $285,300 Building $367,900 | |
| 2023 | $10,766.00 | $593,800 Land $272,400 Building $321,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 77 Elm Ridge Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 77 Elm Ridge Rd is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 104 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 2,000 |
May also be available: T-Mobile.
5G (outdoors only) and 4G LTE
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